motorcycle insurance

Motorcycle Insurance: The Importance of Being Covered in Texas

The weather is getting warmer and living in the Rio Grande Valley can mean riding out on the open highway on your new and beautiful motorcycle much more often. One of the many advantages of being a motorcyclist is having that free feeling on the road. If you’ve recently purchased one or currently have one sitting in your garage, have you given a second thought to purchasing insurance coverage for it if you don’t already own a policy? It not, then we’ll be going over why it’s important for you to have motorcycle insurance.

Give us a call today for more information on helping you search for the best motorcycle insurance policy on the market!

Finding the Right Coverage

In most of the coverage plans that we can help you find, you’re free to choose the right policy that suits you. Just like a policy for an automobile, you have to carry liability insurance just in case you’re ever involved in an accident where you’re at fault. There’s also the option of getting comprehensive and collision insurance. This type will now cover you in the event of vandalism, theft or weather damage. Of course, there are plenty more options when getting coverage for your motorcycle.

Belinda Koepke, who’s been with us for over 30 years, recently spoke about the wide variety of coverages that Shepard Walton King can help clients search for. “The great thing about motorcycle insurance is that you can customize it to fit your needs. For example, if you only want liability, there’s that option, but if you are financing the motorcycle through a bank, then you might be required by the financial institution to purchase comprehensive and collision coverage. You can add a medical payments option too.”


The Texas Department of Public Safety oversees a program that helps motorcyclists applying for a license to become better drivers. Classes are taught at three different levels that include:

  • Courses for inexperienced riders
  • Courses for intermediate riders
  • Advanced classes for experienced riders

The courses teach basic fundamentals, including maneuvering, avoiding dangerous situations and which protective clothing to wear for the road. After completing a course, a motorcyclist may be eligible for a discount, but it is up to their insurance carrier.

The Helmet Law

Texas’s Helmet law states that riders under 21 years of age must wear one and anyone older is not required to unless he/she has completed a safety course or have an applicable insurance plan. Nonetheless, we recommend that all motorcyclists wear a helmet when operating one.

Ride Responsibly

It’s spring and there’s no better time to ride! Just make sure that you have protective gear, including a helmet and insurance coverage, before you head out. Contact our McAllen insurance agency today if you’re ready to take to the open road for the spring and summer seasons. Remember, we also help clients search for many other types of insurance policies. If you find one that you’re interested in or need help deciding which is best for you, then get in touch with us today.

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  1. Dallas Worrell

    Thank you for such informative post. The down side of auto insurance is that owners have little knowledge about the coverage required for the insurance and they end up spending more than what they need to. By knowing your needs, and the mandatory laws regarding cover you can already start choosing low cost auto insurance. Though the age factor does affect the coverage cost for the insurance. Before you decide on purchasing insurance it is important to look at some aspects to getting cheaper insurance. Read for more information here at,

  2. Raeger Wynchester

    It was really helpful that you included the “Helmet Las” in the reasons why being covered with motorcycle insurance was beneficial. Like you said, individuals under 21 are required to wear one unless they have an applicable insurance plan to cover them. My younger brother is not exactly the type who appreciates covering his head since he claims he has claustrophobia, and that’s going to be a problem if he plans to use a motorcycle to and from school. I think it’s a good idea to let him know about this.

  3. Hannah Neilson

    I agree that you would want to consider what kind of coverage an auto insurance company offers. It would be important to consider this because you would want to know that they are qualified. My brother is looking for motorcycle insurance, so he’ll have to consider the coverage first.

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